Johnson County
Nebraska · FIPS 31097
According to CFPB HMDA 2024 application volume among U.S. counties, Johnson County ranks #2,922 of 3,223, and #60 of 93 in Nebraska.
Mortgage lending activity in Johnson County, Nebraska based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Johnson County, Nebraska lenders denied 9 of the applications reported here, financing the rest at an average note rate of 6.78%, with applicants self-reporting average annual income of $36K. 25 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Johnson County
In Johnson County, lead originator FirstBank of Nebraska funded 27.7% of 47 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 42.6% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Johnson County's 84 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Johnson County's $161,071 average loan (deduped against volume peers).
Lenders active in Johnson County
FirstBank of Nebraska funded 13 of the 47 loans originated in Johnson County, 27.7% of the county. 25 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | FirstBank of Nebraska | 13 | 27.7% |
| 2 | Gershman Investment CORP. | 4 | 8.5% |
| 3 | American National Bank | 3 | 6.4% |
| 4 | First National Bank of Omaha | 2 | 4.3% |
| 5 | Arbor Bank | 2 | 4.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Johnson County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Johnson County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.